Policy Wording Perkbox/Mobiru NOV 2017

Transcription

1 Policy Wording Perkbox/Mobiru NOV 2017

2 MOBILE PHONE INSURANCE Below is a list of what information this document includes: Important Information Policy Wording Definitions What is covered What is not covered Policy Conditions and Limitations Policy cancellation Mid-term adjustments What to do if you have a complaint Financial Compensation Data protection act 1998 IMPORTANT INFORMATION This insurance product has been provided to you with your Perkbox Membership. It has been specifically designed to provide insurance protection for your mobile phone and meets the demands and needs of individuals permanently resident in the UK who have purchased a mobile phone and wish to protect it against accidental damage, theft, breakdown and loss. You are required to register the details of your mobile phone through the portal to benefit from the insurance under the Perkbox Membership. Your cover does not commence until you have received confirmation from the administrator that your mobile phone has been registered. The mobile phone must be in good condition and full working order at the time of registering the mobile phone on the portal. If there is evidence that the accidental damage, theft, breakdown or loss occurred prior to the policy inception date, this will result in your claim being refused.

3 Please note that there are some exceptions or exclusions relating to the cover provided by this policy and it is therefore important that you read the section headed What is not covered. We have not provided you with a personal recommendation as to whether this policy is suitable for your specific needs, so you must decide for yourself whether it is or not. You have made a reasoned decision on the basis of the information provided and can cancel this insurance at any time should you decide the cover is no longer suitable. PLEASE KEEP YOUR INSURANCE DOCUMENTS SAFE Please keep this document in a safe place in case you need to read it again or make a claim. If you have any disability that makes communication difficult, please advise the Administrators and they will be pleased to help. POLICY WORDING Please read this document carefully and make sure you understand fully what is covered and what is not covered, also ensuring you comply with all of the policy conditions as a breach of a condition can invalidate your policy and may mean that any claims made will not be paid. If any of the details are incorrect please contact the Administrator immediately. Evidence of Cover This document and your Insurance Schedule are your full insurance policy documents. They are also evidence that you are covered under your employers Master Policy. The Master Policy is the contract that governs this mobile phone insurance and is the contract that your employer has agreed with the Insurer. A copy is available from your employer upon request. Your employer has paid the premium for this insurance as part of the Perks Card or Gold Card benefits and in return for payment of the premium the Insurer will insure you in accordance with the terms and conditions stated in these documents and which are confirmed in the Master Policy. About your insurance This insurance is offered by: Insync Insurance Solutions Ltd is authorised and regulated by the Financial Conduct Authority under registration number , registered company number in England and Wales at Midland House, 2 Poole Road, Bournemouth, Dorset, BH2 5QY. The trading address is 9 Albany Park, Cabot Lane, Poole, Dorset BH17 7BX. Insync Insurance Solutions Ltd co-ordinate this scheme on behalf of Perkbox Ltd a company registered in England and Wales under company number Mobiru is a registered trademark of Insync Insurance Solutions Ltd. This Policy is underwritten by Great American International Insurance DAC This policy is underwritten by Great American International Insurance DAC who are A+ rated by Standard & Poors and are part of the Great American Insurance Group. Great American International Insurance DAC are authorised and regulated by the Central Bank of Ireland and registered in Ireland at Station House, Dublin Road, Malahide, Co Dublin, Ireland. Company Registration Number In respect of business in the United Kingdom, Great American International Insurance DAC are regulated by the Financial Conduct Authority (number ) for conduct of business rules. This can be confirmed at or by contacting the Financial Conduct Authority on

4 Your policy is administered by: Insync Insurance Solutions Ltd who are authorised and regulated by the Financial Conduct Authority under registration number , registered company number in England and Wales at Midland House, 2 Poole Road, Bournemouth, Dorset, BH2 5QY. The trading address is 9 Albany Park, Cabot Lane, Poole, Dorset BH17 7BX. Claims are administered by: The Replacement Service Ltd, a company incorporated in England and Wales (Company Number ) whose registered office is at New Alphabet House, Carden Street, Worcester, Worcestershire WR1 2AT. The Administrator is appointed by the Insurer and has entered into a separate agreement with the Insurer to provide the claims administration services on behalf of the Insurer. Introduction This insurance policy provides insurance for your mobile phone whilst your policy is in force subject to the terms, conditions, and limitations shown below. Period of Cover Perkbox Monthly Policy - The insurance starts at the time you register the detail of your mobile phone on the portal, provided your employer remains signed up to the Employee Benefits Card scheme and you remain enrolled on that scheme. Should you leave your employment the cover will cease. DEFINITIONS The words and phrases defined below have the same meaning wherever they appear in your policy document and are shown in bold italics throughout. Accessories means hand portable ancillary items; carrying cases, battery chargers, hands-free and mounting kits, connection cables, and earpieces purchased at the same time as your mobile phone and evidenced on the same proof of purchase as your mobile phone subject to a maximum overall limit of 150 including VAT. Breakdown means the internal failure or burning out of any part of your mobile phone whilst in ordinary use arising from internal electronic, electrical or mechanical defects causing sudden stoppage of the function of your mobile phone and necessitates immediate repair before it can resume normal operation. Accidental damage means the sudden and unforeseen damage to your mobile phone not otherwise specifically excluded under this policy. Administrator means Insync insurance Solutions whose trading address is 9 Albany Park, Cabot Lane, Poole, Dorset BH17 7BX or for claims means The Replacement Service Ltd whose registered office is at New Alphabet House, Carden Street, Worcester, Worcestershire WR1 2AT Telephone: or Perkbox@ trsclaims.co.uk Computer virus means a self-replicating program that spreads by inserting copies of itself into other executable code or documents, that is loaded onto your mobile phone without your knowledge and runs against your wishes. Gold Card means the card provided to you as a Director of your company containing benefits for you to use. The

5 card programme and associated benefits are arranged by Perkbox Ltd. IMEI Number means the international mobile equipment identity number which is the unique identification number that will be used to identify the mobile phone. Insurance Schedule means the document which confirms the insurance cover, the period of insurance, policyholder details and the mobile phone on cover. Insurer means Great American International Insurance DAC, a company incorporated in Ireland whose registered office is at Station House, Dublin Road, Malahide, Co. Dublin, Ireland Registered in Dublin under Registration Number: Left Unattended means not within your sight at all times and out of your arms-length reach, other than when in a locked room or locked cupboard. Loss means that the mobile phone has been accidentally lost by you and you are now permanently deprived of its use. Mobile phone means the single hand portable cellular telephone (including iphones) as evidenced by an original proof of purchase or exchange, showing details of the mobile phone purchased as new from a UK VAT registered company supplied with full UK consumer rights and warranties (excluding online auctions), which is no more than 30 months old at the time of registration on the portal. If you are a Perks Card holder, the mobile phone must be owned by you. If you are a Gold Card holder the mobile phone may be owned by you or your company. We will provide cover if your mobile phone has a functioning SIM registered at the address stated on your Insurance Schedule. We will request your call records to prove that the mobile phone was being used at the time of the claim Perkbox Membership means the membership provided to you by your employer containing employee benefits for your use. The card programme and associated benefits are arranged by Perkbox Ltd. Portal means a web based registration system by which you can register your mobile phone, sign for a card and make any changes, provided and managed by Perkbox Ltd. Proof of Purchase means the original purchase receipt provided at the point of sale that gives details of your mobile phone purchased as new from a UK VAT registered company supplied with full UK consumer rights and warranties (excluding online auctions), or similar documents that provide proof that you own the mobile phone and that the mobile phone was within the age limit required at inception of this policy. Theft means the unauthorised dishonest taking of your mobile phone by a third party with the intention of permanently depriving you of it, as confirmed by a Police crime report. Theft claims must be accompanied by a valid Police crime reference, loss property reports and numbers will not be accepted

6 in support of a theft claim. We, us, our means the Insurer. You, your, yourself means the person who purchased the mobile phone (over the age of 16) covered by this policy as stated on your Insurance Schedule. You must be an employee of a firm that has signed up to the Perkbox Membership or Gold Card scheme. WHAT WE WILL COVER (subject to the exclusions shown later) Accidental Damage We will repair or replace your mobile phone if it is damaged as a result of accidental damage, providing the mobile phone is returned to us. Breakdown We will repair or replace your mobile phone if it suffers breakdown, providing the mobile phone is sent to the Administrator. Please note that this cover only applies if the breakdown occurs outside the manufacturer s guarantee period. Loss In the event you accidentally lose your mobile phone it will be replaced (in respect of a valid loss claim). Theft In the event of theft of your mobile phone it will be replaced (in respect of a valid theft claim). Territorial Limits This insurance covers your mobile phone bought and used in the UK, Isle of Man or Channel Islands, but cover is also extended to use anywhere in the world, for up to a maximum of 30 days, in any 12 month period. WHAT WE WILL NOT COVER Policy excess There is a policy excess applicable to your mobile phone in respect of each and every claim (this is the amount you must contribute towards your mobile phone that is subject to a claim). This excess must be paid when your claim has been approved. The excess amount applicable in respect of each mobile phone claim covered under this policy is as follows: Theft and Loss exclusions: Excess 100 Your claim will not be paid: unless a Police crime report is provided in support of the theft. Lost property reports will not be accepted in support of your claim. where your mobile phone has been stolen from any motor vehicle, unless the vehicle is locked

7 and all protections are in operation and your mobile phone is concealed out of sight so that forced and violent entry into the vehicle is required. Evidence of the thief s damage to the vehicle must be provided with your claim; for theft of your mobile phone left unattended in a public place or a place to which the public has regular access. where your mobile phone has been stolen from any premises unless force, resulting in damage to the premises, was used to gain entry or exit. A copy of the repairer s account for such damage must be supplied with your claim; General exclusions (applying to all cover provided under this policy): We will not pay for: any claim unless you have registered details of your mobile phone through the portal and the administrator has confirmed details to you. any claim where the mobile phone is in possession of anyone other than you. any claim for malicious damage which was caused by you. the first 100 for each and every claim (policy excess). any claim where the original proof of purchase cannot be provided. any claim where your mobile phone is older than 30 months at the time of registration on the portal as evidenced by the relevant proof of purchase. any claim where the IMEI number cannot be determined from your mobile phone. the cost of any calls made from your mobile phone. the cost of unauthorised usage from your mobile phone. any kind of damage whatsoever unless the damaged mobile phone is provided for repair. any claim for accessories which are not attached to your mobile phone at the time of the incident resulting in a valid claim. the VAT element of any claim if you are registered for VAT. any other costs that are indirectly caused by the event which led to your claim, unless specifically stated in this document. loss, theft or damage to SIM or memory cards in isolation (unless it accompanies a valid claim for your mobile phone). any cosmetic damage only to your mobile phone that has no effect on the phones functionality, to include marring, scratching and denting. any repairs or other costs for repairs carried out by anyone not authorised by us. any software or firmware failures. any loss, damage, destruction, distortion, erasure, corruption or alteration of electronic data from any computer virus or similar mechanism or as a result of any failure of the Internet, or loss of use, reduction in functionality, cost, expense of whatsoever nature resulting there from, regardless of any other cause or event contributing concurrently or in any other sequence to the loss. the cost of maintenance, overhaul or modification or damage resulting from maintenance, overhaul or modification. any damage to data carrying material. any external data carrying materials and any computer program or data information recorded thereon unless stated above. the costs of rectifying programming errors or design defects in software. any expenditure in consequence of the use by you of software in respect of which development has not been finalised or which has not passed all testing procedures or which has not been successfully proven. any damage or destruction caused by, contributed to or arising from: o screen burn or related losses. o wear and tear or gradual deterioration of performance. o using your mobile phone for purposes other than those in the users manual. any claim resulting from war, invasion, acts of foreign enemies, hostilities (whether war be declared or

8 not), civil war, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, terrorist activity of any kind. any damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds. any claim resulting from ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. any fraudulent claim as outlined in the Claims Procedure. not), civil war, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, terrorist activity of any kind. any damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds. any claim resulting from ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. any fraudulent claim as outlined in the Claims Procedure.

9 CONDITIONS AND LIMITATIONS Claims Procedures (failure to observe these may invalidate your claim) In the event of any incident likely to give rise to making a claim, you must: notify the Administrator on (local rate call) as soon as reasonably possible following the discovery of the incident (or in the event of the incident occurring outside of the United Kingdom as soon as reasonably possible following your return to the United Kingdom). Exceptional circumstances causing your delay in reporting your claim and where there is no additional loss to us may be considered. report the theft or loss of your mobile phone to your network provider as soon as reasonably possible following the discovery of the incident so they can blacklist your mobile phone. report the theft or loss of your mobile phone to the Police soon as reasonably possible following the discovery of the incident and obtain a crime reference number in support of a theft claim and a lost property number in support of a loss claim and a copy of the police report. complete and return any claim form, or submit a claim form, as directed by the Administrator within 30 days of you reporting the claim to us with any other requested documentation. Replacement Equipment In the event that your claim is authorised and your mobile phone is replaced, we will replace it with an identical fully refurbished or new (where a refurbished item is not available) item. This is not a new for old insurance. Should this not be possible the Administrator will replace it with a fully refurbished or new mobile phone (where a refurbished item is not available) of a comparable specification or the equivalent value. Please note wherever possible your mobile phone will be replaced with equipment with the same colour or finish, however, where this is not possible or economical, an alternative colour/finish will be provided. Where replacement equipment has been issued and the original mobile phone is recovered, the original mobile phone becomes our property and must be returned to the Administrator immediately. Please call the Administrator on (local rate call) and they will arrange for the item to be returned back to them. Repairs - In the event that your claim is authorised and your mobile phone is repaired it may be repaired with refurbished or unbranded parts If your existing accessories are not compatible with the replacement item we have provided we will cover the cost of replacing the accessories, up to 150 including VAT, on production of your original purchase receipt for these. Limit of Liability Liability, in respect of any one claim, will be limited to the replacement cost of the mobile phone being claimed for and in any event, shall not exceed the maximum liability of 1200 including VAT. Fraud You need to provide us with accurate and up-to-date information if we are to provide insurance cover for you or your property. You need to provide us with accurate and up-to-date information if you are making a claim under your own policy. Failure to provide sufficient information may prevent us from providing cover or, if you are making a claim, may delay the processing of your claim. The provision of false information may mean that a claim made by you under the policy will not be paid and may possibly result in criminal prosecution for fraud. The Administrator employ a dedicated team of fraud specialists. If any fraudulent or misleading claim is made or if any fraudulent or misleading means or devices are used under this insurance, you will not be allowed to continue with your claim and your policy will be cancelled with immediate effect from the

10 date of the fraudulent action. The Administrator will be entitled to instruct an investigation into your claim and recover any benefit paid and costs incurred as a result of any such fraudulent or misleading claim. The police will also be informed and/or any law enforcement agency about the circumstances of any fraudulent claims. Your Insurer may also prosecute those who make fraudulent or misleading claims. Choice of Law This insurance will be governed by English Law, and you and we agree to submit to the exclusive jurisdiction of the courts of England and Wales, unless you reside in Scotland, Northern Ireland, the Channel Islands or the Isle of Man, in which case the law applicable to that jurisdiction will apply and its courts will have exclusive jurisdiction.

11 POLICY CANCELLATION You may cancel the cover at any time by giving 14 days notice to the Administrator by or by calling telephone number (free phone). If you do cancel this cover there will be no refund of premium as you have not paid for this insurance. We may also cancel this cover by giving you 14 days notice to you at your last known address, or address. If we do cancel this cover no refund will be given as you have not paid for this insurance. Reasons for cancellation of the policy are, but not limited to, if fraud is suspected. MID-TERM ADJUSTMENTS changing your mobile phone or personal details Should you decide to replace your mobile phone with a new mobile phone whilst your insurance is in force, the benefit of the insurance may be transferred provided the replacement mobile phone is under 30 months old at the time. You must update the make and model and the IMEI number through the portal. If you make any claim you will need a purchase invoice or proof of purchase showing details of the replacement mobile phone. In the event that any of your personal details change, such as address, or contact numbers, please update your details through the portal. In relation to the policy sales process: WHAT TO DO IF YOU HAVE A COMPLAINT It is always the intention to provide you with a first class service. However, if you are not happy with the sales service, please write to the Customer Relations Manager of Insync Insurance Solutions Limited. Their contact details are: FAO: Customer Relations Manager Insync Insurance Solutions Ltd 9 Albany Park Cabot Lane Poole Dorset BH17 7BX Tel: complaints@insyncinsurance.co.uk In relation to the claim handling service and policy administration: It is always the intention to provide you with a first class service. However, if you are not happy with the claim handling service, please write to the write to the Customer Relations Manager of the Administrator: Their contact details are: FAO: Customer Relations Manager The Replacement Service Ltd., New Alphabet House, Carden Street, Worcester, Worcestershire WR1 2AT Tel: (local rate call) perkbox@trsclaims.co.uk We will acknowledge your complaint within 2 working days You have the right to refer your complaint

12 to the Financial Ombudsman Service at any time: The Financial Ombudsman Service, Exchange Tower, London E14 9SR, United Kingdom. Telephone: For calls outside of the UK, please call Web Address: If you wish to complain about an insurance policy purchased online you may be able to use the European Commission s Online Dispute Resolution platform, which can be found at the following address: These procedures do not affect your legal rights. Data Transfer Consent DATA PROTECTION 1998 By purchasing this insurance policy with Great American International Insurance DAC, you have consented to the use of your data as described below. Data Protection Policy We are committed to protecting your privacy including sensitive personal information; please read this section carefully as acceptance of this insurance policy will be regarded as having read and accepted these Terms and Conditions. Sensitive Information Some of the personal information we ask you for may be sensitive personal data, as defined by the Data Protection Act 1998 (such as information about health or criminal convictions). We will not use such sensitive personal data about you or others except for the specific purpose for which you provide it and to provide the services described in your policy documents. How we use and protect your information and who we share it with. We will use your information to manage your insurance policy, including underwriting and claims handling. This may include disclosing it to other insurers, administrators, third party underwriters and reinsurers. Your information comprises of all the details we hold about you and your transactions and includes information obtained from third parties. We may use and share your information with other members of the Great American Insurance Group companies (The Group). The Group contains companies based throughout the world, both inside and outside Europe (for example, in the USA). By purchasing this policy you have consented to your data being stored and processed in the USA. We will provide an adequate level of protection to your data. We do not disclose your information to anyone outside The Group except: Where we have your permission Where we are required or permitted to do so by law To credit reference and fraud prevention agencies Other companies that provide a service to us or you Where we may transfer rights and obligations under this agreement. We may transfer your information to other countries and jurisdictions on the basis that anyone to whom we pass it provides an adequate level of protection. However, such information may be accessed by law enforcement agencies and other authorities to prevent and detect crime and comply with legal

13 obligations. Your Rights Under the Data Protection Act 1998 you have certain rights regarding access to your information. You have the right to see a copy of the personal information we hold about you, if you believe that any of the information we are holding is incorrect or incomplete, please let us know as soon as possible. To provide a copy of the information we may ask you for a small fee. Marketing Great American International Insurance DAC will not use your data for marketing purposes. All information provided is used to manage your insurance policy only. If you wish to exercise this right then please contact the: Data Protection Officer, Insync Insurance Solutions Ltd. 9 Albany Park Cabot Lane Poole Dorset BH17 7BX Tel: Or The Data Protection Officer, Great American International Insurance, Station House, Malahide, Dublin, Ireland Finally, all calls maybe recorded for training and monitoring purposes. Your policy is administered by Insync Insurance Solutions Ltd, to make changes to your cover, please call telephone number No: (freephone), or visit perkbox-client. mobiru.co.uk For full details please refer to your policy wording. Claims are administered by The Replacement Service, in the event you would like to make a claim, please call telephone number No: (local rate call.) For full details please refer to your policy wording. *The Value stated is the maximum limit of liability for each item. This policy schedule must be read in conjunction with the policy wording document which explains the full terms and conditions of this insurance. This Policy is underwritten by Great American International Insurance DAC Great American International Insurance DAC is a regulated insurance company, based in Dublin, Ireland and are part of the Standard & Poor s A+ rated Great American Insurance Group. The registered office and business address of Great American International Insurance DAC (registered office number ) is at Station House, Dublin Road, Malahide, Co. Dublin, Ireland. Great American International Insurance DAC is regulated by the Central Bank of Ireland. Great American International Insurance DAC is regulated for the conduct of business in the UK by the Financial Conduct Authority.

14 Perkbox/Mobiru NOV 2017